Official Rules

NO PURCHASE NECESSARY. THERE IS NO REQUIREMENT TO BE A CURRENT OR FUTURE BARCLAYS CARD HOLDER TO ENTER OR WIN. THIS PROMOTION IS AVAILABLE ONLY TO SMALL BUSINESS OWNERS (AS FURTHER DEFINED BELOW) WHO ARE LEGAL RESIDENTS OF THE FIFTY UNITED STATES INCLUDING DISTRICT OF COLUMBIA, WITH THE EXCEPTION OF US TERRITORIES. VOID WHERE PROHIBITED.

1 - PROMOTION DESCRIPTION: The Barclays Small Business Big Wins Contest (the “Contest”) is a contest in which Small Business owners (the “Entrant”), which is further defined below in Section 2, are invited to submit a story along with a photo that helps illustrate their idea/thoughts/emotions in the submission (Collectively the “Entry” or “Submission”) on how the events of 2020 affected their business, its impact, and their perseverance and creativity during the challenging times. Additionally, small business owners submitting an entry meeting the Entry requirements will automatically be entered into the Barclays Small Business Big Wins Sweepstakes (the “Sweepstakes”).  The Contest and the Sweepstakes shall be collectively referred to as the “Promotion”

2 - ELIGIBILITY:
Promotion is open to Small Businesses who must meet the eligibility criteria below:

  • be located in the fifty (50) United States including the District of Columbia;
  • be owned by a legal resident of the fifty (50) United States including the District of Columbia, and who are at least eighteen (18) years of age;
  • current business must be in operation prior to or as of January 1, 2019;
  • have a valid employer identification number or taxpayer identification number;
  • employ fewer than one hundred (100) employees for the duration of the Contest;
  • have annual business revenue of five million dollars ($5MM) or less;
  • Officers, directors, employees and agents of Barclays Bank Delaware (the “Sponsor”), its parent, subsidiaries, affiliates, retailers, advertising and promotion agencies, Mastercard International Incorporated (”Mastercard”), and Marden-Kane, Inc.  (the “Administrator”) (Collectively the “Releasees” and/or “Promotion Entities”), and the immediate families (spouse, parent, child, sibling and their respective spouses, regardless of where they reside) and persons living in households of each, whether or not related, are ineligible. Sponsor reserves the right to disqualify participants who violate these official rules (the “Official Rules”) or interfere with this Promotion in any manner. If a participant is disqualified, Sponsor reserves the right to terminate that participant’s eligibility to participate in this Promotion.

Void where prohibited. No purchase is necessary, and there is no requirement to be a current or future Barclays’ card holder to enter or win.

3 –ENTRY PERIOD: The Barclays Small Business Big Wins Contest begins at 12:00:00 a.m. Eastern Time (ET) on October 8, 2020, and ends at 11:59:59 p.m. ET on October 31, 2020 (the “Promotion Entry Period”). The Promotion has further key dates which are outlined in the Timing Chart below (the “Chart”). Sponsor computer, or that of its designee, runs the official clock for the Promotion and will solely determine the time by which a Submission is received.

Limit: There is a maximum of one (1) Entry per Small Business for the entire Promotion Entry Period.  When you submit your entry into the Contest you will automatically receive one (1) Entry into the Sweepstakes.

During the Promotion there are events (explained in detail in the Chart below), which start and end on or about the dates and times noted below.

Timing Chart

EVENT

START DATE
Begins at 12:00:00 a.m. ET

END DATES
 Submission Ends at 11:59:59 p.m. ET
Voting Ends at 12:00 p.m. ET

PROMOTION ENTRY SUBMISSION PERIOD
(“Entry Period”)

October 8th

October 31st 

JUDGING TO DETERMINE TOP 10 FINALISTS FOR PUBLIC VOTING PERIOD
(“Judging Period”)

November 1st

November 13th

SWEEPSTAKES RANDOM DRAWING TO DETERMINE 50 WINNERS

November 13th

FINALIST AND SWEEPSTAKES WINNERS NOTIFICATION

November 16th

PUBLIC VOTING PERIOD
(“Voting Period”)

December 4th

December 14th

CONTEST WINNERS NOTIFIED

December 16 th

ALL WINNERS ANNOUNCED

December 17 th

Note: All dates are 2020.

4 - HOW TO ENTER: Got to www.smallbizbigwins.com (the “Website”) and:

(1) Provide the requested registration information;
(2) Tell us how the events of 2020 affected your business, its impact, and your perseverance and creativity during the challenging times in less than five hundred (500) words;
(3) Upload an original photograph that helps illustrates your idea/thoughts/emotions response in the submission;
(4) Read and accept the Official Rules;
(5) Click the “Submit” button. 

Entry & Photo requirements and guidelines:
Entry must have the following requirements/guidelines:

  • Story must be written in English.
  • Story must not exceed five hundred (500) words.
  • Story must be the original work of the Small Business owner (“Entrant”).

Photo submissions must meet the following requirements/guidelines:

  • Maximum File Size: 1MB.
  • Photo Formats: .GIF, .JPG or .PNG, file formats.
  • Photo must be an original and owned by the Entrant.

By clicking “Submit”, Entrants will receive one (1) Submission into the Promotion. Entrant must complete the entry form with all required information on the entry page including Small Business owner name, Company name, contact information, and click the “Submit” button for the Submission to be eligible. As part of the Promotion submission process, Entrants will be required to indicate that they have read, accept, and agree to be bound by these Official Rules. Limit of one (1) Submission per Small Business owner for the entire Promotion Period. Submissions become the property of Sponsor and will not be returned. Submissions in excess of this limit are void. 

5 - ADDITIONAL CONDITIONS OF ENTRY:  All Promotion Submissions must be submitted by 11:59:59 p.m. ET on October 31, 2020. Entrants must provide all required information on the entry form to be eligible to enter. All Submissions will be screened to make sure that they meet eligibility requirements. Incomplete or inaccurate Submissions are void. By entering, each Entrant acknowledges compliance with these Official Rules including all eligibility requirements. Submissions that do not meet the following Entry Requirements are subject to disqualification and/or removal from the Website, each at Sponsor’s sole and absolute discretion:

Additional Content Requirements:

  • Submission MUST NOT have won any previous award or been submitted in any other competition, and must be a previously unpublished and previously un-produced work.
  • Submission MUST NOT contain material that violates or infringes another’s rights, including, but not limited to, material that violates privacy, publicity, or intellectual property rights, or that constitutes copyright infringement.
  • Submission MUST NOT include or mention any copyrighted material, contain logos, brand or product names or trademarks, except those of the Sponsor other than material in which the Entrant owns copyrights.
  • Submission MUST NOT contain material that is, as determined, in Sponsor’s sole discretion, tortious, defamatory, slanderous, or libelous.
  • Submission MUST be in keeping with Sponsor’s image and MUST NOT be false, fraudulent, deceptive, misleading, disparaging, obscene, pornographic, hateful, indecent, threatening, discriminatory, profane, contain material that is threatening to any person, place, business, group or world peace or otherwise is offensive, as determined by Administrator or Sponsor at their sole and absolute discretion.
  • Submission MUST NOT invade publicity rights or privacy of any person, living or deceased, or otherwise infringe upon any person’s personal or proprietary rights, including, but not limited to, intellectual property rights, and the right to submit or use same shall not be restricted.
  • Submission MUST NOT include material that is unlawful, in violation of, or contrary to the laws or regulations in any state where the Submission is created.
  • Submissions MUST be the Entrant’s original work (modification of an original work is not an original idea) or in the public domain and must be the Entrant’s own original creation executed solely by Entrant.
  • Submission MUST NOT copy or otherwise plagiarize from any source.
  • Submission MUST be suitable for presentation in a public forum.
  • Submission MUST NOT suggest, depict, or describe any inappropriate, unlawful, or dangerous use of Sponsor’s products.

If any persons appear or are referred to in the Entry, Entrant is solely responsible for obtaining, prior to submitting the Entry, any and all releases and consents necessary to permit the exhibition. If any person appearing in any Entry is under the age of majority in their jurisdiction of residence, the signature of a parent or legal guardian is required on each release. Entrant agrees to provide Sponsor with written confirmation of those permissions and rights upon request. Sponsor reserves the right, in its sole discretion, to disqualify from the Promotion and/or remove from displaying or publishing any Submission that, in its sole discretion, refers, depicts, or in any way reflects negatively upon a Promotion Entity, the Promotion, or any other person or entity or does not comply with these requirements or these Official Rules.  Entrant agrees that his/her participation in the Promotion and agreement to these Official Rules and any Promotion Entity’s display and use of a Submission will not violate any agreement to which Entrant is a signatory or party. Entrant agrees to indemnify the Promotion Entities against any and all claims from any third party for any use or reuse by any Promotion Entity of their Submissions.

6 - JUDGING/DETERMINATION OF TOP 10 FINALISTS: All eligible Entries received by the close of the Promotion Period will be judged by a panel of judges chosen in Sponsor’s sole discretion (the “Judges”).The judging of Entries will consist of a maximum score of one hundred (100) points according to the following judging criteria (the “Judging Criteria”):

  • Appropriateness to theme (30 points)
  • Demonstration of perseverance, creativity &/or innovation (30 points)
  • Impact on/or Inspiration to others &/or community (30 points)
  • Tell us what you would do with the money if you won (5 points)
  • Clear expression of their experience (5 points)

The Top 10 Finalists will be eligible for the final round of public voting to determine the Winners.  Entrants acknowledge that other Entrants may have created ideas and concepts contained in their Submission that may have familiarities or similarities to his or her Entry submission, and that he or she will not be entitled to any compensation or right to negotiate with the Promotion Entities because of these familiarities or similarities.  Additionally, the Judges may identify up to five (5) potential alternate Submissions with the next highest total scores (which may or may not be publicly announced) to the extent that it determines any of the potential Prize Winners are ineligible, is unable to be contacted, or declines to continue as a participant in the Promotion.  The judges' decisions are final and binding in all matters relating to this Promotion.

7 – PUBLIC VOTING OF THE TOP 10 FINALISTS TO DETERMINE THE CONTEST WINNERS: The Top 10 Finalist Entry submissions will be available for open viewing and voting at: https:www.smallbizbigwins.com, starting December 4th beginning at 12:00:00 am ET and ends on December 14th at 12:00:00 pm ET (the “Voting Period”).  The public voting will restrict one (1) vote per day per email during the entire Voting Period. Voters are encouraged to use the judging criteria listed above to vote on the entry that best depicts how the events of 2020 affected the entrants’ business. All online voting will be under the supervision of the Sponsor, whose decisions are final in all matters relating to this Contest. Votes that do not comply with the Official Rules or these requirements, or that result from fraud or collusion, may be disqualified in Sponsor’s sole discretion. The use of any automated launching or entry software or any other mechanical or electronic means that permits Promotion Website visitors to vote repeatedly is prohibited.  Creation of multiple email accounts in order to vote in excess of the stated maximum limitations will be void. Entrants are prohibited from obtaining votes by any fraudulent or inappropriate means, including, without limitation, voting by proxy for yourself or any other person, offering prizes, services or anything of value or other inducements to members of the public, as determined by the Promotion Entities in their sole discretion.  If a Finalist is found to have engaged in such fraud or collusion, in Sponsor’s opinion, he/she will be disqualified as a Finalist and will not be eligible to win a prize in this Contest. At the end of the Voting Period the Finalist with the highest number of “votes” will be deemed the Grand Prize Winner, and the Finalist with the second highest number of “votes” will be deemed the 2nd Place Winner; and the Finalist with the third highest number of “votes” will be deemed the 3rd Place winner.  The remaining final seven (7) Finalists will then be deemed Runner-Up Prize Winners.  In the event of a tie, all tied entries will be re-judged by an additional judge selected by the Sponsor who will break the tie using the Judging Criteria.   The judges' decisions are final and binding in all matters relating to this contest.

8 – CONTEST PRIZES: One (1) Grand Prize: $50,000 cash. Value (“V”): $50,000. One (1) 2nd Place Prize: $25,000 cash. V. $25,000. One (1) 3rd Place Prize: $15,000 cash. V. $15,000. Seven (7) Runner-Up Prizes: $5,000 cash. V. $5,000 each.  All prizes will be awarded in the form of a check made payable to the winning small business. Total Value of all Contest Prizes: $125,000.00 .

9 – RANDOM DRAWING:  Winners will be selected in a random drawing on or about November 13, 2020 from among all eligible entries received. Drawing will be conducted by the Sponsor, or its designated agent. Odds of winning a Sweepstakes Prize depend upon the total number of eligible entries received.

10 - SWEEPSTAKES PRIZES:  Fifty (50) Prizes:  $1,000 cash. V. $1,000 each. Prize will be awarded in the form of a check made payable to the winning small business. Total Value of all Sweepstakes Prizes: $50,000.

11 - ADDITIONAL CONDITIONS OF PRIZES: All prizes will be awarded provided there are enough eligible entries received and prizes are claimed properly in accordance with these Official Rules. Limit one (1) prize per qualified entrant.  Prizes are awarded “as is” with no warranty or guarantee, either expressed or implied by Sponsor. Prizes are nontransferable, non-assignable as provided herein. Prize Winners are responsible for the payment of taxes on the prize and for any other costs and expenses associated with the acceptance and use of the prize. Prizes will be awarded to Prize Winners approximately 2-4 weeks after confirmation of Prize Winner eligibility.

12 - NOTIFICATION: The Administrator will contact potential winners on or about November 16, 2020 as stated in the Timing Chart above. An Entrant is not deemed a winner of any prize, even if the winning notification should so indicate, unless and until (i) the Entrant’s eligibility has been verified, (ii) all requirements determined by the Sponsor in order to claim his/her prize have been fulfilled and (iii) the Entrant has been notified that the acceptance and verification process is complete.  Potential winners will be notified via email and/or phone that were provided on the entry and will be required to respond to the notification within three (3) days of notification. Potential Contest Prize winners and Potential Sweepstakes Prize winners will be required to complete, sign, and return [1] an Affidavit of Eligibility and Liability Release and; where legal, a Publicity Release; [2] an Entrant Agreement and Release; [3] a Background Check Authorization Form (collectively, the “Releases”); and (4) an IRS Form W-9 and furnish his/her social security number or small business TIN that will be used only for the purpose of reporting the Winner’s prize earnings to the Internal Revenue Service, as required by law.  Completed documents must be returned within three (3) days from prize notification date or the prize will be forfeited and awarded to an alternate potential winner.  Any false statement made by a potential winner will result in automatic disqualification.

If a potential Prize Winner does not return the required documents within the stated timeframe, cannot be contacted, or if any notification/Document is returned as undeliverable, or if a potential winner is found to be ineligible or not in compliance with these Official Rules, the potential winning Entry will be disqualified and the Entry with the next highest score will be notified, time permitting, at the sole discretion of the Sponsor. Sponsor reserves the right to conduct background checks of the potential winners. If the prize is won by an eligible small business owner who is not of the legal age of majority in the state of residence (“minor”), the required documents must be confirmed and signed by Prize Winner’s parent or legal guardian, and the prize will be awarded in the name of his/her parent or legal guardian, who will be required to fulfill all requirements imposed on the Prize Winner set forth herein.

In addition, you acknowledge and agree that the Releasees reserve the right to disqualify any Potential Prize Winner or Alternate at any time, in their sole discretion, on the basis of anything contained in or learned or obtained as a result of any background check, submitted Releases, or any other forms requested by the Releasees that, in their sole opinion, would constitute a breach of these Official Rules or otherwise.

By entering the Promotion, Entrants, or, if minors, their parents or legal guardians, agree to the use by Sponsor and its designees of their names, cities and states of the small business and photographs/likenesses for advertising and promotional purposes for this and similar promotions, worldwide, and in perpetuity, in any and all forms of media, now known or hereafter devised (including and without limitation, the Internet) without additional compensation, notification, or permission, except where prohibited by law. Upon request, Prize Winners must consent to such in writing.

13 - ADDITIONAL TERMS AND CONDITIONS: Normal Internet access, phone, and usage charges imposed by Entrant’s online or phone service may apply. Each Submission must be manually key stroked and manually entered by the individual Entrant; bulk, third-party, automated and/or repetitive electronic Submissions (including, but not limited to, Submissions made using any script, macro, bot or promotion service) will be disqualified. Any attempt by any Entrant to obtain more than one Submission by using multiple and/or different identities, forms, registrations, email addresses, logins, or any other methods will void that Entrant’s Submission, and that Entrant may be disqualified at Sponsor’s discretion. In the event of a dispute as to the identity of a specific Entrant, the Submission will be deemed to have been made by the registered account holder of the e-mail address for the potentially winning Submission, but only if that Entrant meets all other eligibility criteria. A registered account holder is defined as the natural person who is assigned to an e-mail address account by an Internet access provider, online service provider, or other organization (e.g., business, educational institution, etc.) that is responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address. Potential Promotion Winners may be required to provide Sponsor with proof that he/she is the authorized account holder of the e-mail address account for the potentially winning Submission. If a dispute cannot be resolved to Sponsor’s satisfaction, the Submission in question may be disqualified in Sponsor’s sole discretion.

By entering the Promotion, each Entrant represents and warrants the following: (a) he or she has read, understands and will follow the Official Rules; (b) the Submission, and all materials and matter therein: (1) is wholly original with such Entrant and are not a copy or imitation of any other material; (2) will not infringe or violate any right whatsoever, including, without limitation, any personal rights (e.g., defamation, privacy, false light, moral right, etc.) or any property rights (e.g., copyright, trademark, right to ideas, etc.) of any person or entity and the use thereof will result in no third party liability or obligations; and (3) is not the subject of any threatened or pending litigation, claim or dispute that might give rise to litigation, which adversely affects or in any way prejudices, impairs or diminishes the rights granted hereunder or the value thereof; (c) he or she has the right to agree to and fully perform consistent with these Official Rules and the consent of no third parties are required to grant the rights hereunder; and (d) Sponsor’s use of any Submission shall not violate an agreement to which such Entrant has signed. Entrants agree to indemnify and hold the Released Parties (defined below) harmless from and against any third party claim, to the extent relating to any breach of any representation, warranty or covenant made by such Entrant in connection with his or her acceptance of these Official Rules.

Those who do not abide by these Official Rules, the instructions of Sponsor and the Website, and provide all required information will be disqualified in Sponsor’s sole discretion. Submissions into the Promotion will be publicly posted for all users of the Application to view. ONCE TRANSMITTED, ALL SUBMISSIONS BECOME PART OF THE PROMOTION AND MAY NOT BE REMOVED BY THE ENTRANT, EVEN IF ENTRANT WITHDRAWS FROM PROMOTION CONSIDERATION. Entries or participation will not be acknowledged or returned. 

14 - GRANT OF RIGHTS: By entering, except where prohibited by law, each Entrant grants to the Sponsor and their agents and assigns in perpetuity the irrevocable, sub-licensable, absolute right and permission to use, edit, modify, cut, rearrange, add to, delete from, copy, reproduce, translate, separate, dub, adapt, publish, combine with other material, reuse, adapt, and exploit the content of and elements embodied in the Submission in any and all media, including but not limited to paper format, digital and electronic media, computer, audio and audiovisual media (whether now existing or hereafter devised), in any language, throughout the world, and in any manner, for trade, advertising, promotional, commercial, or any other purposes without further review, notice, approval, consideration, or compensation. Each Entrant agrees that the Releasees may, but are not required to attribute the Submission to an Entrant. Each Entrant waives and releases the Releasees from any and all claims that Entrant may now or hereafter have in any jurisdiction based on “moral rights” or “droit moral” or unfair competition with respect to the Releasees’ exploitation of entries without further notification or compensation to Entrants of any kind, and agrees not to instigate, support, maintain, or authorize any action, claim, or lawsuit against the Releasees and each of their affiliates, licensees, or any other person in connection with this Promotion, on the grounds that any use of any elements embodied in the Submission or any derivative works, infringe or violate any of Entrant’s rights therein. Each Entrant agrees to execute any documents that Releasees may require to affect such grant of rights. Each Prize Winner grants the Releasees the right to use and publish his/her name, entry submission or elements, likeness, picture, voice, and/or any information contained in his/her Submission, online, in print and in any other media for advertising and promotional purposes worldwide, and in perpetuity without additional compensation, notice, review, or approval, unless prohibited by law. Nothing contained in these Official Rules obligates the licensed entities to make use of any of the rights granted herein and Prize Winner waives any right to inspect or approve any use.

Each Entrant acknowledges that other Entrants may have created ideas and concepts contained in their Submission that may have familiarities or similarities to his/her own Submission, and that he/she will not be entitled to any compensation or right to negotiate with the Promotion Entities because of these familiarities or similarities. The decisions of the Sponsor are final and binding in all matters relating to this Promotion, including interpretation and application of these Official Rules. Sponsor reserves the right to request from Entrant at any time proof that Entrant maintains all necessary rights in their Submission in order to grant Sponsor the rights required herein in a form acceptable to Sponsor. Failure to provide such proof may lead to, among other things, the Entrant being disqualified from the Promotion.

15 - GENERAL CONDITIONS: The Releasees are not responsible for the actions of Entrants in connection with the Promotion, including Entrants’ attempts to circumvent the Official Rules or otherwise interfere with the administration, security, fairness, integrity or proper conduct of the Promotion. Persons found tampering with or abusing any aspect of this Promotion, or whom Sponsor believes to be causing malfunction, error, disruption or damage may be disqualified. Additionally, any attempt to cheat the Promotion, as determined at the sole and absolute discretion of Sponsor, may result in immediate disqualification of the Entrant, as well as other possible consequences, including disqualification from any and all existing and future promotions. WARNING: ANY ATTEMPT BY AN ENTRANT OR ANY OTHER INDIVIDUAL TO DAMAGE THE WEBSITE OR APPLICATION ASSOCIATED WITH THIS PROMOTION OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAW, AND, SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO PROSECUTE AND SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. Neither Sponsor nor anyone acting on its behalf will enter into any communications with any Entrant regarding this Promotion, except as expressly set forth in these Official Rules.

Sponsor reserves the right, at its sole discretion, to disqualify any individual it finds to be attempting to tamper with or undermine the Submission process, the Website, and/or the legitimate operation of the Promotion; to violate the Official Rules; or to act in an unsportsmanlike or disruptive manner or with the intent to annoy, abuse, threaten, or harass any other person. Sponsor and its agents are not responsible for: (1) any lost, late, incomplete, stolen, misdirected, undelivered, delayed, garbled, incorrect or inaccurate information, whether caused by Entrants, printing errors or by any of the equipment or programming associated with or utilized in the Promotion; (2) technical failures of any kind, including, but not limited to, malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (3) unauthorized human intervention in any part of the Submission process or the Promotion; (4) technical or human error which may occur in the administration of the Promotion or the processing of Submissions; (5) for lost, interrupted or unavailable network, server, Internet Service Provider (ISP), Website, or other connections, availability or accessibility or miscommunications or failed computer, satellite, telephone or cable transmissions, lines, or technical failure or jumbled, scrambled, delayed, or misdirected transmissions or computer hardware or software malfunctions, failures or difficulties, or other errors or difficulties of any kind whether human, mechanical, electronic, computer, network, typographical, printing or otherwise relating to or in connection with the Promotion; or (6) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from Entrant’s participation in the Promotion or receipt or use or misuse of any prize.  If, for any reason, the Promotion is not capable of running as planned, including infection by computer virus or bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of Sponsor, which corrupt or affect the operation, administration, security, fairness, integrity, or proper conduct of this Promotion, Sponsor may, in its sole discretion, void any suspect entries and: (a) modify the Promotion or suspend the Promotion to address the impairment and then resume the Promotion in a manner that best conforms to the spirit of these Official Rules; or (b) terminate the Promotion and from among the eligible, non-suspect entries received up to the time of the impairment, award the Promotion prizes based on the Judging Criteria set forth above.

16 - LIMITATIONS OF LIABILITY AND RELEASES: By participating in this Promotion, Entrant agrees that Sponsor, Administrator, Mastercard, and each of their respective parent companies, affiliates, subsidiaries, representatives, consultants, contractors, legal counsel, advertising, public relations, promotional, fulfillment and marketing, website providers, web masters, and their respective officers, directors, employees, representatives, and agents (the “Released Parties” or the “Releasees”) will have no liability whatsoever for, and shall be held harmless by Entrants against, any liability for any injuries, losses or damages of any kind to persons, including personal injury or death, or property resulting, in whole or in part, directly or indirectly, from acceptance, possession, misuse, or use of the prize, entry, or participation in this Promotion or in any Promotion- or Prize-related activity, or any claims based on publicity rights, defamation or invasion of privacy, or merchandise or other prize delivery. By participating in this Promotion, Entrant agrees that the Released Parties will not be responsible or liable for any injuries, damages, or losses of any kind, including direct, indirect, incidental, consequential, or punitive damages to persons, including death, or to property arising out of access to and use of the Website or Application associated with this Promotion or the downloading from and/or printing material downloaded from such Website and/or Application. If any use by Sponsor of the Entries causes it to be liable to any third party, Entrant agrees to indemnify, defend and hold harmless Sponsor and its agents, employees, affiliates, subsidiaries, representative and all related parties from and against any and all damages, costs, judgments and expenses (including reasonable attorneys’ fees), which it incurs as a result of its use of the Entries. Released Parties are not responsible for electronic communications that are undeliverable as a result of any form of active or passive filtering of any kind, or insufficient space in Entrant’s e-mail or other account to receive messages. Without limiting the foregoing, everything regarding this Promotion, including the Website and all prizes, are provided “as is” without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Some jurisdictions may not allow the limitations or exclusions of liability for incidental or consequential damages or exclusion of implied warranties, so some of the above limitations or exclusions may not apply. Check local laws for any restrictions or limitations regarding these limitations or exclusions.

17 - JURISDICTION: Except where prohibited, all issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the participant and Sponsor in connection with the Promotion, shall be governed by, and construed in accordance with the laws of the State of Delaware without giving effect to any choice of law or conflict of law rules (whether of the State of Delaware, or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Delaware. In addition, any dispute relating to the Promotion (including these Official Rules) shall be brought in the appropriate state or federal court having jurisdiction over the subject matter located in the State of Delaware. Entrants hereby irrevocably consent to the personal jurisdiction of said courts and waive any claim of forum non-conveniens or lack of personal jurisdiction they may have.

18 - PRIVACY:Entrant understands that Entrant is providing information to the Sponsor and Administrator. As a condition of entering the Promotion, each Entrant gives consent for Sponsor to obtain and deliver his or her name, address and other information to third parties for the purpose of administering this Promotion and complying with applicable laws, regulations, and rules. The information provided by Entrants will only be used for the purpose of contacting potential Prize Winners unless Entrant opts-in to use in a different manner. The Sponsor and the Administrator will not share this information with third parties (other than the Sponsor’s or Administrator’s prize fulfillment agent, if applicable).

19 - WHO WON: To receive the names of the winners, available after December 31, 2020, send an email with the subject line: "Barclays Small Business Big Wins Contest & Sweepstakes" to winnerslist@mkpromosource.com. Requests must be received by December 31, 2020.

20 - SPONSOR & ADMINISTRATOR: Sponsor: Barclays Bank Delaware (Barclays), 125 S. West Street, Wilmington, DE  19801, and Mastercard® International Incorporated, 2000 Purchase St, Purchase, NY 10577. Administrator: Marden-Kane, Inc., 575 Underhill Blvd., Ste. 222, Syosset, NY 11797.

Mastercard is a registered mark, and the circles design is a trademark, of Mastercard International Incorporated.

©2020 Marden-Kane, Inc. All rights reserved. These Official Rules may not be copied, edited, or used for any other purpose, commercial or otherwise, without the express written consent of Marden-Kane, Inc.